HDB Grants Singapore 2026: Everything You Need to Know

The Singaporean government provides an expanded series of financial schemes, designed to help first-time house buyers (and not just them) purchase homes at significant discounts. HDB eligibility and your compatibility with these grants will depend on whether you are a first-time buyer, your total household income, the type of property you are going for, and your marital status.

Enhanced CPF Housing Grant

The Enhanced CPF Housing Grant, or EHG for short, is a housing subsidy scheme that’s intended to be utilised by first-time applicant families that purchase either resale HDB flats or BTO properties. As of 20 August 2024, first-time family applications can qualify for a subsidy up to a maximum of S$120,000, while a couple comprising a first-timer and a second-timer can be eligible for a financial grant of a maximum of S$60,000.

The EHG is considered to be the main housing grant currently available to first-time homebuyers. In order to be eligible for this grant:

• At least one applicant must be a first-time HDB flat buyer
• One of the applicants must be a citizen of our country, while the other party can either be a citizen or a PR
• One core member of the family nucleus must have been continuously employed for a minimum duration of 12 months before applying for an HFE letter. This is not necessarily a condition for the HDB grant, but it’s a requirement for obtaining the HDB Flat Eligibility letter.
• The average gross monthly income, as a first-time household, cannot exceed $9,000.
• Applicants must not own private residential property within the required eligibility period

CPF Housing Grant

The CPF Housing Grant is available to eligible first-time buyers who are looking to purchase a resale HDB flat. Unlike the EHG, the CPF Housing Grant is only available for eligible first-time buyers purchasing resale HDB flats and does not require applicants to satisfy the EHG’s 12-month continuous employment requirement.

Moreover, it’s important to note that your Total Debt Servicing Ratio doesn’t play a direct role in your HDB eligibility. That said, to be qualified for a CPF Housing Grant, applicants must:

• Be at least 21 years old
• Be SCs, or at least one of the applicants must be a citizen of our country
• Not have taken housing subsidies before
• Not have a monthly household income that exceeds S$14,000.
• Not own or have an interest in any private residential property within the previous 30 months
• Obtain a valid HFE letter
• Applicants must occupy the flat for the required MOP after purchasing the property

Proximity Housing Grant

The PHG is a financial grant intended to encourage families or eligible singles to live closer to their parents/children by providing financial assistance when buying a resale HDB flat. Compared to other financial assistance grants, the PHG is available both to first-time and second-time house buyers, and eligible recipients can obtain:

• S$30,000 for families that decide to live with parents/child
• S$20,000 for families that move within 4km of their location
• S$15,000 for singles who decide to live with parents/child
• S$10,000 for singles who move within 4km of parents/child location.